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Spencer Fern's work experience includes serving as the Vice President of Commercial Lending at TEG Federal Credit Union, where they provided commercial real estate and business loan products. Prior to that, they worked as a Vice President in Business Banking at Bank of America. They also held positions as a Vice President and Commercial Branch Manager at M&T Bank, and as a Senior Vice President, Area Operations Director, Vice President, Branch Manager, and Client Financial Analyst at Citi. Additionally, Spencer has experience as a Financial Consultant at Fahnestock & Co., Inc., a Trading Assistant at Knight Trading Group, Inc., and a Purchase and Sales Specialist at CIBC Oppenheimer.

Spencer Fern attended the State University of New York at Cortland from 1992 to 1996, where they earned a Bachelor of Science degree in Economics and Business Management.